Our team begins every client relationship with an in-depth planning process. Your plan is a detailed, written document so you have real benchmarks to assess your progress. The plan incorporates every aspect of your assets and liabilities, including cash, brokerage accounts, employer retirement plans, real estate and insurance policies, as well as a review of your trust and estate documents. We analyze risk, asset allocation, asset location and current and projected savings and cash flow. We present a variety of "what if" scenarios based on your goals. In addition, we provide our capital market assumptions and utilize financial analysis to calculate the probability of success.

Planning is the doorway to customized investment management designed to meet your goals. This is the first step to comprehensive wealth management. It's what we call "Advice. Beyond investing."

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We consider asset location to be as important as asset allocation, and take into consideration tax efficiency and optimization. For example, we could create a customized corporate bond ladder within a qualified account. Where appropriate, we utilize option overlay strategies designed to enhance income.

Our firm's open architecture structure allows us to select the best solutions for you from a wide range of providers.

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We work closely with UBS specialists in Advanced Planning, many of whom are former attorneys, to review your existing documents in conjunction with a financial plan, and provide a tailored analysis of your estate plan. The analysis may include current estate overview, hypothetical estate tax calculation, observations and discussion points, as well as wealth transfer strategies.

Our team has extensive experience with complex trust structures, implementing estate planning strategies to help preserve your wealth over multiple generations, and structuring a tax-efficient charitable plan that fully integrates your long-term goals.

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